I might be new here but debt is something I have struggled with all my life.
A little about me: Mom of 2 - daughter is 17 and son is 13. I work full time and graduated from college with a BS in, of all things, Finance! I am very independent, hard working and, when it comes to most things, responsible.
I have close to 20K in debt - mainly credit cards. I need to find a way out of this hole I have created for myself before...my husband finds out. Yes, you read that right. My husband doesn't know I have this debt. And I want to keep it that way. Actually I want to pay it all off before he finds out. You might be asking, how does he not know?? We have been married 13 years and from the start we have kept our finances separate. He pays for the mortgage and taxes. I pay for the utilities and food. He pays for our son's karate and I pay for all the kids clothes, school lunches, just about anything else that they need. He pays for his car and his car insurance. I pay for mine. It's a system that has suited us well except for the fact that most months I don't have enough cash on hand that I end up charging whatever the kids need.
With all that said, I am super determined to make this happen. I am going to scrimp and save and throw every dollar I can find towards my debts. I am not bringing this into our retirement with me. I have about 18 years until I retire - more than enough time to dig myself out but I want it gone sooner rather than later so I can save myself from the increasing anxiety I feel when I check the mail or the phone rings or my husband talks about money.
I will post my budget and debt amounts soon. I hope you all will hold me accountable and help me find some ways to save.